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‘Covid.19,’ has triggered a crisis of mammoth proportion. It has given a smashing impact on the lives and livelihoods, with economies around the globe reeling under turmoil, facing collateral damages of every nature, much worse and fearful than that of financial crisis of 2008. Lurking danger of global recession is looming large. The prices of even ‘True Blue’ stocks across industries, around the world have been battered black and blue. Global markets have shed around US $15 trillion of wealth. Stock indices of prominence have faced up to 30% fall; situation of Indian Indices have been no different- Dalal Street witnessed the blood bath more than once since March 2020, upcoming Burger King India- withdrawing their Initial Public Offerings and SBI Cards -saw listless listings. We are in the firm grip of bears; for next 12 month for sure! New York Stock Exchange opened without its trading floor for the first time in 228 years on March 23 rd , after two people tested positive f...

1)      Hedging" is the practice to reduce risk, but the objective of majority of hedge funds is to maximize return on investment. The name is historical, as the first hedge funds tried to hedge against the downside risk of a bear market by shorting the market . 2)      Hedge funds use dozens of different strategies, so it isn't accurate to say that they just "hedge risk." In fact, since hedge fund managers make speculative investments, these funds may carry more risk than the overall market. 3)      However, there are mechanisms in place to protect those who invest in hedge funds. Often fee limitations such as high-water marks are employed to prevent portfolio managers from getting paid on the same returns twice. Fee caps may also be in place to dissuade managers from taking on excess risk. 4)      Hedge funds are alternative investment funds (AIFs), using pooled capital sourced from accr...

India's economic growth slumped to an over six-year low of 6.5%    due to slower consumer demand and private investment amid deteriorating global environment, prompting many global agencies to cut India's GDP growth for the year 2019-20. In October19 monetary policy review RBI had sharply cut it’s economic growth projection for this fiscal to 6.1% from earlier of 6.9%. People need to have cash in their hands. However, record-high unemployment has severely affected the supply-demand ratio in India. This is key reason behind the economic slowdown. The government has to come up with a plan to increase wage growth; which would be possible only by injecting more liquidity into the system. Despite the bank mergers and re-capitalization, Indian banks are far from recovery, with non-performing assets (NPA) at staggering Rs 8 lac crore! The NBFCs which are key lender to Micro, Small & Medium Enterprises continue to face liquidity crunch and show no signs of recovery in ...

(Year 1940   to 14 November 2019) Sir Vashishtha Narayan Singh We are guilty of neglecting this genius. It deeply saddens that the mathematician who challenged Einstein's theory of relativity and could have been in the league of Sir. Srinivasa Ramanujan; died unknown in the web of poverty, suffering from schizophrenia . His soul is supposed to get some consolation, as he was not the only masterpiece we did not preserve. We as a nation on one hand hold the distinction of leaving budding talents to fend for themselves during the period of their struggle and on another hand fail to treasure shining stars once they start fading away from the center stage due to cruelty of life. We would not leave any photo opportunity with proven few, award them with cash, job, land and what not, make money by making movies on them, offer them tickets to contest elections but, would not have provided them even basic resources when they needed the most, that is during their forma...

SAVING: Is an incredible virtue! In economics, saving is the amount that is left after spending.   However, wealthy people work differently; they invest first and spend what’s left. Whereas, others spend first and invest what’s left. We can’t control interest rate movements or forecast what will happen in the stock or real estate market! But, we can certainly control when we start and how much we save. Starting to save early puts time by our side, our savings will add-up, funds would work longer with the power of compounding, thus, piling-up more cash in our bank accounts. A rupee saved is a rupee earned, goes the saying. But just saving is not enough; your money should grow according to your needs. This objective can only be met through investing wisely.   When we stash our funds in the right places, our money would start to work harder, making us lead a relaxed and comfortable life. However, care should be taken not to put all the eggs in one basket. We sh...

Bitter Coffee Dear Siddhartha, For budding entrepreneurs, you were a perfect blend of an intelligent  Mind , sharp business acumen, hard-work, swagger and suave. You have shown the  Way Wealth  can be created in an unique manner by serving and sipping  Coffee . However, with self execution of your life; aspiring entrepreneurs now seem disoriented and entrapped with disbelief in their capacity to take forward dreams of becoming rich and famous.    Your mega decision to call quit has jolted enterprising people of all generations and they are grappling with one question for sure –was this the only way out for you? May be yes, this had been the only go left, as you were the gentleman who believed in letter and spirit that the organizations are perennial entities. Hence, they must prevail    if the choice of existence to be made between them and their creators.    Perhaps, therefore you never wanted ‘Cafe Coffee Day’ ...